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Customers can log into their American Express accounts as they always do, and on the main page, they will see their total available points. From there, they can select the eligible charges that the points may be applied to. Select the applicable charges and click "Submit." Within 48 hours, the points will be used.

Travelers can take advantage of American Express Rewards points, too. Flights, Cruises, hotel rooms and entire vacation packages can be booked using accumulated points. American Express provides flexible seat selections on most flights and there are no blackout dates. Most importantly, even vacations paid for by rewards points are eligible for frequent flyer miles.

Customers who want to use their rewards points for gift cards will find plenty of choices on the American Express website. Points can be redeemed for gift cards from Bonefish Grill, McDonald's, Enterprise Rent-A-Car, P.F. Chang's and many other businesses. Gift cards can be purchased for as low as 1,000 points.

Certain rules and conditions apply when redeeming rewards points, so check with the website for more details.